Roth TSP vs. traditional TSP


Q. I am a single 24-year-old in the Army Reserve. I am interested in contributing to one of the two TSPs and wanted to know which would be the better route? I also have a 401(k) at my civilian job and contribute 6 percent to their 4 percent they match. I plan on working until I am at least 65. I am aware it is a broad question, but any information would be helpful.

A. It’s impossible to say which will work out better for you. It will likely matter far more that you save the money, than which account you save it to. Keep in mind that your combined 401(k) and TSP payroll deferrals are subject to the single annual limit.


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Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to and view his blog at

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